One of America’s most powerful insurers, UnitedHealth, just admitted it massively underestimated the cost of healthcare — and now it’s paying the price. The company slashed its 2025 outlook by billions, citing a flood of delayed surgeries and rising medical expenses. After a chaotic year of leadership crises, cyberattacks, and DOJ scrutiny, the pressure is on. Can AI and internal audits save them, or is it too late?